GLOUDVIS
ActiveSummary
GLOUDVIS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €80k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency60▼-31
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 2.89 in 2024; short-term debt: 65.5% and cash: 33.2% of total assets), but 65.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.5%
Return on assets
33.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
8 d early
2024
65 d early
2023
26 d late
2022
61 d late
2021
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▼ 37.9%
2024 · €133k
2021: €36k
2022: €92k
2023: €133k
2024: €133k
2021 → 2025
Total assets
€239k▲ 18.9%
2024 · €201k
2021: €67k
2022: €132k
2023: €182k
2024: €201k
2021 → 2025
Net result
€80k▲ 195%
2024 · €27k
2021: €34k
2022: €56k
2023: €41k
2024: €27k
2021 → 2025
Working capital
€79k▼ 38.8%
2024 · €129k
2021: €33k
2022: €88k
2023: €126k
2024: €129k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€92k▲ 155%€133k▲ 44.9%€133k▲ 0.1%€83k▼ 37.9%
Operating result€49k-€79k▲ 59.7%€60k▼ 24.3%€37k▼ 37.4%€100k▲ 167%
Net result€34k-€56k▲ 62.0%€41k▼ 26.2%€27k▼ 34.5%€80k▲ 195%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 167% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€4k ▼ 9.2%
Current assets
€236k ▲ 19.5%
Equity and liabilities €239k
Equity
€83k ▼ 37.9%
Debt
€157k ▲ 130%
Debt's share of the balance-sheet total rises from 33.9% to 65.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€102k▲
2024 · €40k
Cash flow
€82k▲
2024 · €29k
Current ratio
1.50▼
2024 · 2.89
Debt to equity
1.90▲
2024 · 0.51
ROE
96.3%▲
2024 · 20.3%
ROA
33.3%▲
2024 · 13.4%
Interest coverage
66.62▲
2024 · 18.65
Debt ≤ 1 year
€157k▲
2024 · €68k
Income taxes
€22k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€201k€239k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Furniture and vehicles24€4k€4k▼
Current assets29/58€197k€236k▲
Amounts receivable within one year40/41€97k€156k▲
Trade receivables40€69k€65k▼
Other amounts receivable41€29k€91k▲
Cash at bank and in hand54/58€93k€79k▼
Deferred charges and accrued income490/1€7k€332▼
Equity and liabilities
Total equity and liabilities10/49€201k€239k▲
Equity10/15€133k€83k▼
Contributions10/11€2k€2k=
Reserves13€131k€81k▼
Distributable reserves133€131k€81k▼
Profit (loss) carried forward14€82€167▲
Amounts payable17/49€68k€157k▲
Amounts payable within one year42/48€68k€157k▲
Financial debts43-€376
Credit institutions430/8-€376
Trade debts44€35k€17k▼
Suppliers440/4€35k€17k▼
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€7k€10k▲
Other amounts payable47/48€27k€130k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€7k€2k▼
Gross operating margin9900€46k€104k▲
Operating profit (loss)9901€37k€100k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€37k€102k▲
Income taxes67/77€10k€22k▲
Profit (loss) for the period9904€27k€80k▲
Profit (loss) for the period to be appropriated9905€27k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€80k▲
Profit (loss) brought forward from the previous period14P-€82
Transfer from equity791/2-€51k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€27k€130k▲
Return on contributions (dividend)694€27k€130k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €80k ▲195%
Operating result €100k, net result €80k, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €27k ▼34.5%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Equity above €100kEq €133k ▲44.9%
3 profitable years in a row build equity to €133k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Guido Gezellelaan 33010 LeuvenGround area
1,983 m²
Building footprint
337 m²
Volume, LiDAR
4,794 m³
2 parcels, Flanders · tallest building 19.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
GLOUDVIS
since 20202.304.206.789
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0229/00V002 | Flanders | 1,764 m² | 1 · 269 m² | 19.1 m · 6 fl. |
| 24038D0273/00X005 | Flanders | 219 m² | 1 · 68 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 808 companies in sector 73120 we hold annual accounts for 281. 214 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
73120Media representation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.